Default Comment Removal


Default data is negative information supplied to credit bureaus by creditors if you default on your credit agreement.

A default reflects on your credit report for two years or one year, depending on the default. Subjective classifications of consumer defaults remain for one year. Consumer default classifications where enforcement has taken place such as bad debt written off or handed over, credit card revoked or repossession of goods remains on your credit report for two years.

Default data will be removed once the default has been paid in full. Once the default has been paid, you have 1 week to update the information & inform the credit bureaus of the paid up status. The credit bureaus, in turn, have one week from receiving the notification from the lender to amend the credit report.

Pure Credit can assist you with this procedure.